Listen-this-way-4-(第三版)Unit-4

1、Unit 4Briefing on Taxation and Insurance PoliciesTeaching aimsIntroduce a number of important economic concepts in our modern society.Vocabulary and numbers remain the two major training focuses for Units 3 and 4.InsuranceIn law and economics, insurance is a form of risk management primarily used to

2、 hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured, or policyholder, is the person or entity buying the insurance

3、 policy. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.-The Insurance PolicyIn insurance

4、, the insurance policy is a contract (generally a standard form contract) between the insurer and the insured, known as the policyholder, which determines the claims which the insurer is legally required to pay. In exchange for payment, known as the premium, the insurer pays for damages to the insur

5、ed which are caused by covered perils under the policy language. Insurance contracts are designed to meet specific needs and thus have many features not found in many other types of contracts. Since insurance policies are standard forms, they feature boilerplate language which is similar across a wi

6、de variety of different types of insurance policies. an insurance contract concludes: Declarations 聲明Definitions -define important terms used in the policy language. Insuring agreement -保險(xiǎn)事項(xiàng)Exclusions-除外責(zé)任Conditions-provisions, rules of conduct, duties and obligations required for coverage. If polic

7、y conditions are not met, the insurer can deny the claim. Endorsements批注InsuranceTypes of insuranceHealthAccidental death and dismemberment insurance Dental insurance Disability insurance Total permanent disability insurance Income protection insurance Long term care insurance Vision insuranceLifePe

8、rmanent life insurance Term life insurance Universal life insurance Variable universal life insurance Whole life insuranceBusinessBond insurance Directors and officers liability insurance Errors and omissions insurance Fidelity bond Professional indemnity insurance Professional liability insurance P

9、rotection and indemnity insurance Trade credit insuranceResidentialContents insurance Earthquake insurance Flood insurance Home insurance Landlords insurance Mortgage insurance Property insuranceOtherHistory of insurance Casualty insurance Crime insurance Crop insurance Group insurance Liability ins

10、urance Marine insurance No-fault insurance Pet insurance Phone insurance Reinsurance Terrorism insurance Travel insurance Vehicle insurance Wage insurance Weather insurance Workers compensationInsurance policy and lawInsurance policy Insurance law Health Insurance Portability and Accountability ActF

11、amous insurance company Sun Life Financial Inc.Sun Life Financial Inc. (TSX:SLF, NYSE:SLF, PSE: SLF) is a leading international financial services company known primarily as a life insurance company. Based in Toronto, Ontario, Sun Life and its partners provide insurance, retirement and investment so

12、lutions for individuals and businesses around the world including Canada, the United States, the United Kingdom, Hong Kong, the Philippines, Japan, Indonesia, India, China and Bermuda. Sun Life ranks number 236 on the Forbes Global 2000 list for 2010.American Modern Insurance GroupAmerican Modern In

13、surance Group is the holding company for a number of subsidiary property & casualty and life insurance companies that provide specialty products for owners of manufactured homes, mobile homes, specialty dwellings, watercraft, motorcycles, recreational vehicles, collector vehicles and snowmobiles.The

14、 company also serves the commercial insurance needs of dealers and communities within the manufactured housing market and provides services and products to protect lender interests, including mortgage fire, debt cancellation, vendors single interest, collateral protection insurance, renters insuranc

15、e, credit life and flood insurance圖表類型餅狀圖-Pie chart Part I Getting readytaxation tksein n. 課稅， 征稅， 稅金 1. grand grnd n.一千美元 2. bonus buns n.紅利，意外所得之物，獎金 3. premium pri:mim n.保險(xiǎn)費(fèi), 額外費(fèi)用，獎金，4. briefing brif n. 簡報(bào)；作戰(zhàn)指示5. levy levi vt.征收，發(fā)動 n.征稅，召集6. opt pt vi.選擇，決定 7. Building Society n. 房屋建筑會， 建房互助協(xié)會 8.

16、 allowance launs n.零用錢，津貼，限額 9. reverse rvs n. 背面；相反 10. enforce nfs vt. 實(shí)施，執(zhí)行；強(qiáng)迫，強(qiáng)制Part I Getting ReadySpending money without a plan is like driving blindfolded.What if expenses are greater than your income?A budget is a tool to help you function better.Listen to the dialogues and complete the exer

17、cises.Keys to BTapescript of BPart I Cgrand grnd n.一千美元 bonus buns n.紅利，意外所得之物，獎金 economize iknmaiz v.節(jié)約，節(jié)省，有效地利用 premium pri:mim n.保險(xiǎn)費(fèi), 額外費(fèi)用，獎金，claim kleim v/n.要求，要求權(quán)，主張, 聲稱 nuisance nju:sns n.討厭的人，討厭的東西，傷害 pension penn n.養(yǎng)老金，退休金，撫恤金，年金 life insurance 人壽保險(xiǎn) well-off adj. 順利的， 走運(yùn)的， 手頭寬裕的Keys to CTape

18、script of CPart II transparency trnsprnsi n.幻燈片, 透明度taxation tksein n. 課稅， 征稅， 稅金 levy levi vt.征收，發(fā)動 / n.征稅，召集deduct didkt vt.扣除，演繹 deduction didkn n.扣除，扣除額 deductible didktbl adj. 可扣除的 / n. 可減免的東西allowance launs n.零用錢，津貼，限額 legislation .ledislein n.法律，法規(guī)，立法 tax relief 稅收減除 Building Society n. 房屋建筑會， 建房互助協(xié)會 revenue revinju: n.稅收，收入，稅務(wù)局 opt pt vi.選擇，決定 oblige blaid vt.迫使，責(zé)成，使感激，施恩于，幫 . 的忙 Keys to AKeys to BTapescriptPart III Should I buy an insurance policy? (I)dependent dipendnt adj.依靠的，依賴的，從屬的 n.受援助者insurance policy 保險(xiǎn)單 systematic .sistimtik adj.有系統(tǒng)的，分類的，體系 的，有條理的 lump sum 總錢數(shù) Keys to AKeys